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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $123,445 | $93,345+32.2% | $119,126+3.6% | $87,485+41.1% |
| Participation rate | 71.4% | 68.7%+2.7pp | 75.8%-4.3pp | 68.9%+2.5pp |
| Annual return | 16.76% | 19.08%-2.3pp | 282.11%-265.4pp | 26.06%-9.3pp |
| Employer contribution / active EE | $0 | $3,172-100.0% | $4,034-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $6,860 | $4,099+67.4% | $5,318+29.0% | $4,274+60.5% |
| Admin fee / account holder | $7,097 | $8,039-11.7% | $10,693-33.6% | $7,775-8.7% |